Multi-factor mobile user authentication

ABSTRACT

A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation-in-part of U.S. application Ser. No.14/784,502 filed on Oct. 14, 2015 and entitled, “SYSTEM AND METHOD FORMULTI-FACTOR MOBILE USER AUTHENTICATION,” which is incorporated hereinby reference in its entirety. The '502 application is a U.S. nationalphase filing under 35 U.S.C. § 371 of PCT/US2013/044221 filed on Jun. 5,2013 and entitled “SYSTEM AND METHOD FOR MULTI-FACTOR MOBILE USERAUTHENTICATION,” which is incorporated herein by reference in itsentirety.

FIELD

This disclosure generally relates to security associated with financialtransactions.

BACKGROUND

Historically, in a typical credit card transaction, the process beginswith a credit card holder providing his credit card to an attendantlocated at a point-of-sale device (e.g., cash register) within amerchant setting. In response, the attendant typically “swipes,” “dips,”or “waves” the card depending on the card reader that is coupled to thepoint-of-sale device. Thus, cardholder information (including the nameof the cardholder and the credit card number) is transferred from thestorage medium on the card to the point-of-sale device.

Traditional card payments via merchant Point of Sale terminals are anaccepted mode of transferring value. These are generally considered tobe secure by the payment processors. Also, traditional card payments viamerchant Point of Sale terminals enable a merchant to shift someliability for the transaction to the transaction processor. Otherpayment methods (outside of a user physically interacting with a pointof sale system) change the paradigm from an authorization, fraud and/orsecurity standpoint. Oftentimes, higher premiums are leveraged onmerchants accepting payments through these non-traditional paymentmethods as there is a higher risk associated with the transaction fromthe account issuer point of view.

It would be beneficial to have a system where non-traditional paymentsystems and methods may be employed and still maintain a low fraud riskassociated with the transaction.

SUMMARY

The present disclosure relates to security associated with transactionsthat addresses, among other things, the aforementioned deficiencies inprior systems. Described herein is a system and method for reducingfraud risk.

According to various embodiments, a unique mobile device hardwareidentifier of a mobile device may be provided to a registry and/or aregistry host. A unique identifier for the secure processing and storageenvironment of the mobile device may also be provided to the registryand/or registry host. The registry host may associate a mobile deviceuser identifier with transaction account information of a mobile deviceuser, the unique identifier for the secure processing and storageenvironment of the mobile device, and the mobile device hardwareidentifier in an electronic registry.

According to various embodiments, a transaction request may betransmitted from/via the mobile device over a mobile network to atrusted certificate authority for verification of a public keyassociated with the mobile transaction request. The trusted certificateauthority may be hosted by the MNO, Registry, Transaction Processorand/or Issuer/Acquirer of the transaction accounts. The device hardwareidentifier information of the mobile device transmitting the mobiletransaction request may be captured and/or intercepted by the MNO. Theunique identifier for the secure processing and storage environmentinformation associated with the mobile device transmitting the mobiletransaction request may be captured and/or intercepted by the MNO.

According to various embodiments, the intercepted device hardwareidentifier information and the unique identifier for the secureprocessing and storage environment may be provided to the registry hostfor verification. The registry host may associate the mobile devicehardware identifier information intercepted with the transmittedtransaction request message and determine if the results are associatedwith the expected mobile device hardware identifier information storedin the electronic registry associated with the mobile device. Similarly,the intercepted device hardware identifier information and the uniqueidentifier for the secure processing and storage environment may beprovided to the registry host for verification. For instance, theregistry host may associate the mobile device hardware identifierinformation intercepted with the transmitted transaction request messageand determine if the expected mobile device hardware identifierinformation stored in the electronic registry associated with the mobiledevice and the unique identifier for the secure processing and storageenvironment information intercepted with the transmitted transactionrequest message are associated with an expected unique identifier forthe secure processing and storage environment information stored in theelectronic registry associated with the mobile device.

According to various embodiments, a mobile device user identifier may beassociated with transaction account information of the mobile deviceuser, a unique identifier for the secure processing and storageenvironment of a mobile device, and a unique mobile device hardwareidentifier in an electronic registry by a fraud prevention computersystem. Public key data may be transmitted to a secure processing andstorage environment of the mobile device. The public key data may bepre-provisioned to the secure processing and storage environment.

According to various embodiments, private key data may be transmitted tothe secure processing and storage environment. The public key data maybe securely stored to the secure processing and storage environment. Atransaction request message may be transmitted over a mobile network viaa transaction application stored to a memory associated with the mobiledevice. The private key data may be appended to the transaction requestmessage to create a signed message. The public key data is appended tothe signed message by the transaction application.

Aspects of the system may verify that the public key is correct. Aspectsof the system may validate the mobile device hardware identifiercaptured with the transaction request message against expected mobiledevice hardware identifier information stored in the electronic registryand associated with the received public key.

Aspects of the system may validate the unique identifier for the secureprocessing and storage environment information captured with thetransaction request message against an expected unique identifier forthe secure processing and storage environment information stored in theelectronic registry and associated with the received public key. Aspectsof the system may verify that the private key data is correct. Ifmultiple factors are correct, transaction account information may beappended to and/or transmitted with the transaction request message. Theappended transaction request may be transmitted to a processor forauthorization.

These features and other advantages of the system and method, as well asthe structure and operation of various exemplary embodiments of thesystem and method, are described below.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, wherein like numerals depict like elements,illustrate exemplary embodiments of the present disclosure, and togetherwith the description, serve to explain the principles of the invention.In the drawings:

FIG. 1 illustrates an exemplary registration and identification mappingprocess in accordance with various embodiments; and

FIG. 2 illustrates an exemplary multistep validation process inaccordance with various embodiments.

DETAILED DESCRIPTION

The detailed description of exemplary embodiments of the disclosuredescribed herein makes reference to the accompanying drawings, whichshow the exemplary embodiment by way of illustration and its best mode.While these exemplary embodiments are described in sufficient detail toenable those skilled in the art to practice the invention, it should beunderstood that other embodiments can be realized and that logical andmechanical changes can be made without departing from the spirit andscope of the disclosure. Thus, the detailed description herein ispresented for purposes of illustration only and not of limitation. Forexample, the steps recited in any of the method or process descriptionscan be executed in any order and are not limited to the order presented.

For the sake of brevity, conventional data networking, applicationdevelopment and other functional aspects of the systems (and componentsof the individual operating components of the systems) may not bedescribed in detail herein. Furthermore, the connecting lines shown inthe various figures contained herein are intended to represent exemplaryfunctional relationships and/or physical couplings between the variouselements. It should be noted that many alternative or additionalfunctional relationships or physical connections are present in apractical system.

With the introduction of mobile payment systems using the Global Systemfor Mobile Communication (GSM) band, distributed Internet and/orproximity radio frequency payment methods, the paradigm of definingwhether a “transaction instrument,” such as a transaction card, or“authorized card holder” is present during a transaction is blurred. Inthese new authentication scenarios, in accordance with exemplaryembodiments described herein, information associated with a secureprocessing and storage environment 260 combined with a mobile device canbe used as a payment authentication system and method. However,merchants adopting these new transaction solutions may be charged apricing rate for a “Card Not Present” transaction based on thetraditional risk model that payments taken over the internet have ahigher potential fraud and the merchant is unable to use normal,Transaction instrument, signature, personal identification number (PIN)and/or in-person government issued identification presentment,cardholder verification methods. Although the chip used for PaymentCards (embedded within the transaction instrument) and SIM cards arefunctionally the same and at times electronically indistinguishable, themobile device is not classified as secure enough for normal PIN entryuser authentication according to some standards, such as Payment CardsIndustry (PCI)-Pin Transaction Security (PTS) Pin Entry Device (PED)standards. Therefore, another non-tamper, method may be implemented tovalidate that the mobile device is authentic and verifiable for use.Various embodiments of that method are described herein.

According to various embodiments, the Integrated Circuit Card (ICC) ofthe SIM card is made to the same ISO Standards for both a Financial Cardsecurity instrument and for Mobile Network SIM card security device andmay be configured to hold multiple credentials (depending on the Chipmemory capacity).

Mobile networks may use the International Mobile Station EquipmentIdentity (IMEI) 135 to verify that the mobile handset in use isauthentic. Also, in the case of stolen/lost handsets, the IMEI 135 maybe used to prevent unauthorized future use, by restricting the IMEI 135from further use until otherwise directed. The IMEI 135 is a code,normally a number, usually unique, to identify 3rd GenerationPartnership Project, (3GPP) (i.e., GSM, UMTS, LTE) and/or IntegratedDigital Enhanced Network (iDEN) mobile devices as well as some satellitephones. It is usually found printed inside the battery compartment ofthe phone, but can also be displayed on-screen on most phones byentering a code in the dial pad, such as *#06#, or alongside othersystem 100 information in the settings menu on various operatingsystems. The IMEI 135 has not been associated with financialtransactions and/or the security of financial transactions previously.

The International Mobile Subscriber Identity (IMSI) is a uniqueidentification associated with all cellular networks. It may be storedas a code, such as a 64 bit field, and may be sent by a mobile device toa network. The IMSI may also be used for acquiring other details of themobile device in the home location register (HLR) or as locally copiedin the visitor location register. According to various embodiments, anIMSI may be used as an international identifier on a SIM card forcorrect account billing (particularly in international roaming) and alsoagain in the case of “restricting” use for stolen/lost or decommissionedaccounts.

According to various embodiments, financial networks standards may beleveraged with mobile device data and secure processing and storageenvironment 260 knowledge to authenticate a device. For instance a partyto a transaction, such as a third party to a transaction, may utilizethese elements of information, not traditionally associated withwireless transactions, to achieve a lower probability of fraud and/or ahigher confidence associated with the transaction.

In various embodiments, a payment via a mobile device may be initiatedby the user of the transaction mobile device via their own device. Inthis way, the Merchant or Recipient details are located and/or enteredby the user and used to complete the transaction request 360. Thesedetails may be entered into a user application or user menu on themobile device. This may be referred to as a “Pushed” transaction,” “PushAuthorization” and/or “Push Funds.” The responsibility for the handlingof the transaction rests with the mobile device User rather than theMerchant, who, in general, receives a receipt of successful transactionsand may reverse the transaction if the details are incorrect. Comparedto some techniques, repudiation may be more difficult given theCustomer/User responsibility on their own device. According to variousembodiments, Pulled transactions where the responsibility for thehandling of the transaction rests with the Merchant are alsocontemplated herein.

As previously mentioned, in some near field communication (NFC) paymentsvia some NFC transaction instruments, the “Card Present” rate is appliedto the users. However, mobile device payments made utilizing NFCtechnology are beholden to strictly controlled certification processeswith agreed suppliers to allow the “Card Present” policy. Aspects of thepresent disclosure are intended to increase reliability of transactions,decrease fraud opportunities, and achieve wider adoption of “cardpresent” status to mobile device generated transactions.

The primary difference between a contactless enabled transactioninstrument, such as a transaction card, and a contactless enabled mobiledevice is that one is accessing an ICC of the contactless enabledtransaction instrument while the other is accessing an ICC of a secureprocessing and storage environment 260 of the mobile device made to thesame specifications. According to various embodiments, the presentdescription may alleviate some of the concerns with this discrepancy andlead to wider adoption of new technologies.

According to various embodiments, through collaboration between Issuersand Mobile Network Operators, (MNO) 250 payment schemes and techniquesleveraging previously ignored technical data may be utilized toapprove/authorize transactions. Previously MNOs or Mobile VirtualNetwork Operators (MVNOs) 250 have not had or contemplated use of theFinancial Regulation standards and/or Financial Networks have not hadaccess to mobile call logging data (including IMSI, IMEI 135 data), suchas substantially real-time mobile call logging data. Those that licensemobile devices and their use may be a MVNO 250 and/or a MNO 250. Themodel disclosed herein combines several standards from the SIM card,Device, Financial Network specifications and a new proprietary“Tokenization” system and registry 220 based on the knowledge of thesestandards.

According to various embodiments, mobile devices are allocated a uniqueidentifying number, such as an IMEI 135 number. At times, this IMEI 135number may be used to reduce counterfeit mobile devices. Lost or stolenmobile devices may be flagged in a registry 220 and/or decommissioned bya Mobile Network Operator 250. Thus, an IMEI 135 number may be matchedto a registry 220 to determine if the mobile device is commissioned ordecommissioned. IMEIs 135 are device specific codes. Each device of amanufacture has its own specific IMEI 135 code.

The MVNO 250 and/or a MNO 250 may license a brand, via a secureprocessing and storage environment 260, and lease the service and themobile device bandwidth of a company. Each secure processing and storageenvironment 260 has unique identifier for the secure processing andstorage environment 145, such as a number, (e.g. an IMSI for a SIMcard). Similarly, traditionally each transaction instrument has atransaction instrument specific EMB code.

For a traditional mobile device operating on a mobile network, a secureprocessing and storage environment 260 is issued to each mobile devicefor consumption of data over the network, such as for telephonecommunications. In cases where the secure processing and storageenvironment 260 is a SIM card, an international subscriber number isissued individually for a network and to a specific individual.Generally, associated with this number is a country designation, anetwork is identified, and details of the user are inscribed, i.e.,stored on each SIM card. This stored information is generally static.Stated another way, the unique identifier 145 for the secure processingand storage environment 260, which is generally static, identifies thesecure processing and storage environment 260. Additional identificationand information may be associated with the secure processing and storageenvironment 260, individual, and network, such as a MSISDN 140, TMSIand/or an ICCID. A MSISDN 140 is a number uniquely identifying asubscription to a mobile network. An ICCID or Integrated Circuit CardIdentifier may identify each secure processing and storage environment260 internationally. A Temporary Mobile Subscriber Identity (TMSI) israndomly assigned by a visitor location register to every mobile devicein the area, in response to the mobile device being switched on.Optionally, any of these identifiers may be used for validation and/orverification processes.

ICCIDs, TMSI and/or MSISDN 140 may be temporary, nonstatic designators.For instance, these identifiers may be assigned and/or switched when auser moves from a first country to a second country, and/or participatesin international roaming. Thus, a different TMSI identified or MSISDN140 may be associated with the mobile device depending on where a useris located. However, the unique identifier 145 for the secure processingand storage environment 260 is static, non-changing, as the uniqueidentifier 145 for the secure processing and storage environment 260, inthe case of an IMSI, may be the designator that is used to bill anindividual for use of bandwidth regardless of device used to consume thebandwidth.

Thus, the MSISDN 140 may be assigned, and an IMEI 135 designating amobile device and the unique identifier 145 for the secure processingand storage environment 260, are generally static informationdesignators. Thus, each mobile device comprises two static pieces ofinformation for an MVNO 250 to register to a database and/or registry220. These two static designators, the IMEI 135 and the uniqueidentifier 145 for the secure processing and storage environment 260 maybe linked to a third designator. The third designator may be a user, atransaction account, an expected location, a mobile application specificcode and/or the like.

With reference to FIG. 1, and in accordance with various embodiments, aBAN 110, which may be an international bank account number, which may bea 16-digit code, may identify a country of origin, identify a bank oforigin and/or designate a user's personal transaction account number.The BAN 110 may identify an issuer 200 of transaction accounts and/oracquirer 200 of transaction accounts. The BAN 110 may be used forpayments or bank to bank transfers, and/or the like. In a traditionaltransaction account scheme 210, a personal account number 115, (PAN 115)may be embossed into a physical transaction instrument, such as atransaction card. A PAN 115 may be used for web payments, paper bills,and the like. The PAN 115 may be a way for point of sale terminaltransactions to track data. Both the PAN 115 and the BAN 110 mayidentify a funding source, such as a credit funding source or debitfunding source, and can be used in an ISO message and associated with atransaction on a financial network. Traditionally, embossing this numberon a physical instrument introduces communication difficulties andsecurity risks.

Historically, short message service (SMS), unstructured supplementaryservices data (USSD) and lower bands of communication methods have notbeen well suited for financial transaction messages, either because ofthe memory and the length of the message or because the network is apublic network and security of data cannot be ensured. According tovarious embodiments, to address this concern, a registry 220 is createdlinking the unique identifier 145 for the secure processing and storageenvironment 260 and the IMEI 135 number. Stated another way, a userhaving a mobile device, the unique identifier 145 for the secureprocessing and storage environment 260, and a secure processing andstorage environment 260 may be able to conduct secure transactions viathe mobile device. Thus, a relationship between the issuer 200 and theMNO 250 and/or MVNO 250 is created to facilitate financial transactionswhere none existed or was envisioned before. This relationship mayenable secure transmission of information. In this way, fraud mitigationmay be achieved. Based on this relationship and the security itprovides, in some cases liability may be shifted from a merchant to apayment processor. Also, the cost of doing business may be decreased tothe merchant as the higher premium for a “card not present” transactionmay be removed. As stated above, the MNO 250 and/or MVNO 250 may issue asecure processing and storage environment 260 associated with the mobiledevice. Thus, the MNO 250 and/or MVNO 250 have the unique identifier 145for the secure processing and storage environment 260 in their system100. The MNO 250 and/or the mobile device user may register their IMEI135 number in a registry 220. This may be via a mobile applicationdownloaded to the mobile device. For instance, the mobile applicationmay pull an IMEI 135 code from an operating system of the device. Also,by dialing *#06#, the mobile device may display its IMEI 135. Generally,the unique identifier 145 for the secure processing and storageenvironment 260 is held private by the MVNO 250 and/or MNO 250.

According to various embodiments, the unique identifier 145 for thesecure processing and storage environment 260 may be linked to the IMEI135 number and a funding source that an individual/user wants to payfrom. This may be accomplished via a funding source link request 120. Aregistry 220 may encrypt and store the funding source information. Astand-in token linked to the funding source information may be stored onthe secure processing and storage environment 260.

For instance, according to various embodiments, a user and/or a MNO 250may provide to a registry 220 provider/host an IMEI 135 number.According to various embodiments, a user may also provide an IMEI 135number to the registry 220 provider/host. The user may present a validID, such as a government issued ID at this time. This may be linked toand/or associated with an issued and/or to be issued secure processingand storage environment 260. A confirmation, of identity, such asthrough a valid ID may be made at this time. A user transaction accountmay be linked to the provided values in a registry 220. A private key125 may be generated by a trusted certificate authority 230 tofacilitate an exchange of information. The private key 125 may be mapped130 to the IMEI 135, MSISDN 140, and/or the unique identifier 145 forthe secure processing and storage environment 260. A trusted certificateauthority 230 may generate a public key 155 which, along with privatekey 125 data, allows access to communication session over a network.This private key and/or public-key/private-key pair may be provisioned160 to a secure processing and storage environment 260 on the mobiledevice 240. In various embodiments, any portion of this data may bestored in a secure location of the secure processing and storageenvironment 260. The secure processing and storage environment 260 maybe pre-provisioned to accept any portion of this data.

Various forms of secure processing and storage environments 260 may beutilized. In various embodiments, the secure processing and storageenvironment 260 may be a SIM card, an embedded secure element, a trustedexecution environment, and/or white box cryptography. An embedded secureelement may be similar in functionality to a SIM card, but the embeddedsecure element may be embedded into the mobile device itself, and thus,may be independent of the SIM card that is inserted into the mobiledevice 240. The secure processing and storage environment 260 may be adedicated chip, which may be a component on the motherboard, but couldbe attached in other ways. The secure processing and storage environment260 may be embedded in the device during manufacture of the device, suchthat the secure processing and storage environment 260 is not removable.Embedded secure elements may be utilized in some mobile devices such asiPhones® and used to implement mobile payment systems such as ApplePay®.A trusted execution environment may be a secure operating mode of a CPU,typically deployed in some mobile devices. In various embodiments, thesecure mode may only execute trusted (cryptographically signed)applications and may have access to certain areas of memory that areinaccessible outside of the secure mode. As opposed to being a separatechip, a trusted execution environment may be a secure operating mode ofthe main CPU of the mobile device 240. The trusted execution environmentmay be used in some mobile devices such as Samsung® phones and used toimplement mobile payment systems such as Samsung Pay®. White boxcryptography may be a software security implementation that runs insoftware and is therefore independent of the hardware of the mobiledevice 240, such as WhiteBox Software Protection, provided byINSIDESECURE®.

As used herein, public-key/private-key cryptography may refer to acryptographic system 100 utilizing two separate keys, one of which issecret and one of which is public. Although different, the two parts ofthe key pair are linked. One key locks or encrypts the plaintext, andthe other unlocks or decrypts the ciphertext, and/or encodedinformation. Neither key can perform both functions by itself. Thus, thepublic key 155 may be published without compromising security, while theprivate key 125 is generally not revealed to the unauthorized.

According to various embodiments a digital signature may be associatedwith communications described herein. In response to data being signedby a private key 125, the corresponding public key 155 is bound to thesigned data. Stated another way, only the corresponding public key 155can be used to verify the signature and ensure that the data has notbeen modified. A public key 155 can be protected from tampering by usingits corresponding private master key to sign the public key 155components and user IDs, thus binding the components to the publicmaster key. Signing public key 155 components with the correspondingprivate master signing key may be referred to as self-signing, and apublic key 155 that has self-signed user IDs bound to it is called acertificate.

As disclosed herein, a secure mutual authentication process is describedin terms of encrypting and/or decrypting security keys. However, thepresent disclosure contemplates authentication by way of encrypting anddecrypting any type of security protocol. For example, the presentdisclosure contemplates the use of digital signatures, digitalcertificates, GPS information, identifier information, and the like.

For instance, and with reference to FIG. 2 and flow diagram 201, theprivate key 125 may be linked to a user menu 170 (of the mobile device)for requesting payment 310, such as a user generated request forpayment, to create a signed message 320.

Through use of the public key 155 upon reading the signed message 320, asession may be initiated and a verification request 340 may be issued.Optionally, a user passcode 345 may be provided by the user andtransmitted with the verification request 340 as an additional fraudprevention technique. This user passcode 345 may be a code of determinedlength established by the user that may be easily remembered by theuser. This user passcode 345 may be pre-stored by the registry 220 host.

The MNO/MVNO 250 may be instructed to push and store this information tothe user's specific mobile device address. Thus the MSISDN 140, isconfigured to reside in an EMV approved secured area on the secureprocessing and storage environment 260, such as a secure portion of theICC of the SIM card. EMV is a global standard for inter-operation ofintegrated circuit cards and integrated circuit card capable point ofsale (POS) terminals and automated teller machines (ATMs), forauthenticating credit and debit card transactions. According to variousembodiments, the MSISDN 140 may be used to contact a user mobile deviceand push the private keys and public keys into a storage area of thesecure processing and storage environment 260, such as a secure storagearea of the SIM card. Thus, in response to registration of a user withthe system 100, generation of the public 155 and private keys 125, theuser may be uniquely identified and authorized by the system 100.

As previously described, the secure processing and storage environment260 may be issued to the user and/or mobile device 240 with a holdingblock ready to receive this information. Embedded secure elements may beissued inside the mobile device 240 at the time of purchase. SIM cardsmay be issued either with the mobile device 240 or when the userswitches networks. For instance, the SIM card may be pre-provisioned toreceive and store a key pair for requesting transactions.

In operation, in response to registration and a user setting up theiridentification information, the user is ready to transmit payments viatheir mobile device. Thus, a user may elect to perform a transaction. Atransaction request 360 may be associated with this transaction. Using amobile device pre-stored menu (e.g., a menu of a mobile application),merchant identification data (e.g., a merchant specific number) may beentered into and/or provided to the application. Merchant informationmay be displayed via the mobile device to identify and verify thecorrect parties are present. For instance, the merchant address, name,and other distinguishing information may be presented via the mobileapplication on the mobile device. The user may agree with thisvalidation prior to proceeding.

The private key 125 information may be linked to the transaction request360 and create a signed message 320. This message may containtransaction information, such as information describing the amount ofvalue desired to transmit, the parties and/or the like. As previouslydescribed, using the public key 155, the signed message 320 may bedecrypted to uncover the details of the verification request 340.

The public key 155 may be initially transmitted from a mobile device andverified by a trusted certificate authority 230. Later, the additionaldetails of the mobile transaction request 360 may be transmitted fromthe mobile device and verified by the trusted certificate authority 230.Of course, according to various embodiments, a single message comprisingthe public key 155 and the details of the mobile transaction request 360may be transmitted from the mobile device via an application andverified by the trusted certificate authority 230.

This transmittal may optionally be in response to a user providing avalidation and/or passcode. For instance, an option on the menu systemof the mobile application may be to add a further user passcode 345prior to transmitting data. This may be a static or dynamic passcode tobe entered prior to the transaction request 360 being sent over themobile network, such as the 3G network and/or iDEN network. A staticpasscode may refer to a passcode issued by the registry 220 host to theuser. A dynamic passcode may refer to a passcode that may be elected byand/or selected by the user. The MNO 250 and/or MVNO 250 may route thetransmittal of the mobile transaction request 360 over the mobilenetwork. With this routing the unique identifier 145 for the secureprocessing and storage environment 260 number may be captured, such asby the MNO 250. IMSI information is commonly captured by the MNO 250and/or MVNO 250 to bill the actual call/transfer of data itself.However, IMSI information is not captured by the MNO 250 for use inverification and fraud prevention. The MNO 250 and/or MVNO 250 maydetermine the IMEI 135 number to validate that the device is correct(expected). This call/transfer of data over the network may be into aregistry system 220. This end point and/or destination number may behidden from the user. A record of this call/transfer of data may becreated and stored to a database.

Once connected to the verification system, the verification/public key155 may be checked to verify that the public key 155 is correct. Inresponse to the public key 155 being incorrect, the transaction may behalted. In response to the public key 155 being correct, the uniqueidentifier 145 for the secure processing and storage environment 260detail, the IMEI 135 detail, and/or optionally the MSISDN 140information may each be individually checked against the registry 220information.

For instance, the MVNO 250 and/or MNO 250 may exchange the details withthe trusted certificate authority 230 and/or registry host 220 toidentify that the device is correct. In response to the details beingincorrect, the MNVO 250 and/or trusted certificate authority 230 mayhalt the transaction and communicate a message to be stored, indicatingthat the public key 155 was correct but other expected details arewrong. For instance, a message indicating that an incorrect secureprocessing and storage environment 260 was used or a secure processingand storage environment 260 that is not expected for use with thisdevice or with these other details was used. For instance, if a secureprocessing and storage environment 260 were swapped into a differentdevice and not updated/registered in the registry 220 the transactionwould not be able to proceed.

In response to a correct public key 155 being verified/established,expected unique identifier 145 for the secure processing and storageenvironment 260 and IMEI 135 data being found, then the secureprocessing and storage environment 260 and specific mobile device isauthenticated. At this time, the MSISD 140 may be reviewed to indicatethat this is in fact a domestic transaction, and that the transfer ofdata/call is occurring in the expected geographic location.

Thus, a plurality, such as at least three points, of authenticationelements and systems may be used. According to various embodiments, thefirst point of authentication may indicate that a valid person that haspreviously registered in the registry 220 is involved with thetransaction request 360. The second point may be a determination thatthe mobile device is the expected device. The third point may beensuring the one to one mapping is a valid mapping. In response to allof these three being correct/validated, the registry 220 system mayrelease the BAN 110 or the PAN 115 details to a transactionaccount/financial transaction processer 420. These may be proxy accountnumbers. According to various embodiments, this financial transactionprocesser or their involvement is not seen by the merchant or thecustomer.

The payment details may be added to/appended to the transaction request360 by the registry 220 system host, such as information identifying asource of funding and a individual associated with the source prestoredin the registry 220 associated with the received authenticationcredentials. The original transaction request 360 may include an amountof value to transfer and to whom. The network may complete/transfer thedetails of the transaction to an issuer and/or aquirer 200. In responseto the transaction being completed a memorilization of the authorizationof the transaction may be communicated to any party to the transaction.

In this way, the the registry 220 system host may act similar to theworkings of a traditional point-of-sale device which may combine thecardholder information with transaction information (including totalprice of sale and merchant identification), and send the combined dataset to an acquirer 200 or third-party processor 215. The third-partyprocessor 215 may respond by forwarding the data set to the cardassociation's (e.g., Visa, American Express, etc.) proprietarytransaction network, whereby the data set is routed to the issuing bank.The processor 215 may format the combined data set into an ISO messageif it is not already in that form.

For instance, the third-party processor 215 may format 440 the PANmessage into an ISO 8583 authorization request or a BAN message into anISO 7812 Funds transfer request 445. ISO 8583 defines a message formatand a communication flow so that different systems can exchange thesetransaction requests and responses. The vast majority of transactionsmade at ATMs use ISO 8583 at some point in the communication chain, asdo transactions made when a customer uses a card to make a payment in astore electronic fund transfers at a point of sale. ISO 7812 is theinternational standard that specifies “a numbering system for theidentification of issuers of cards that require an issuer identificationnumber (IIN) to operate in international, interindustry and/orintra-industry interchange” and procedures for registering IINs.

Upon reception of the data set, the issuing bank checks the proposedfinancial transaction against a set of credit rules and either approvesor denies the financial transaction. If approved, the approval istransmitted to the merchant and/or merchant computer system. Thereafter,the card-issuing bank forwards a monetary sum equal to the sale price tothe merchant's bank (typically, a processor is used as an intermediarythat forwards the monetary sum to the merchant's bank). At theexpiration of the billing period, the cardholder pays the sales price(plus interest and finance charges) to the card-issuing bank.

A user may re-register their mobile device at any time. For instance, auser may re-register their mobile device in the case of upgradingdevices or due to mobile device theft or mobile device loss.

The trusted certificate authority 230 and the registry 220 host may bethe same entity. The trusted certificate authority 230 and/or theregistry 220 host may be a financial institution, such as anissuer/acquirer 200 or the network/processor 215. According to variousembodiments the trusted certificate authority 230 and/or the registry220 host issuer 200 may be operated by the MNO 250 and/or MVNO 250.

The messages described here may conform to the USSD messaging protocol.For instance, each message may be limited to a 182 characters maximum.For instance, the public key 155 may be sent in a first message limitedto 182 characters followed by a second message containing additionaltransaction information. According to various embodiments the privatekey 125 may be combined with additional information, such as theinformation which is being encrypted in a single USSD message. Thesemessages may conform to the X509 certificate standard.

The present disclosure is described herein in terms of functional blockcomponents, screen shots, optional selections and various processingsteps. Such functional blocks are realized by any number of hardwarecomponents configured to perform to specified functions. For example,the present disclosure may employ various integrated circuit components(e.g., memory elements, processing elements, logic elements, look-uptables, and the like), which may carry out a variety of functions underthe control of one or more microprocessors or other control devices.Similarly, the software elements of the present disclosure can beimplemented with any programming or scripting language such as C, C++,Java, COBOL, assembler, PERL, extensible markup language (XML), JavaCardand MULTOS with the various algorithms being implemented with anycombination of data structures, objects, processes, routines or otherprogramming elements. Further, it should be noted that the presentdisclosure may employ any number of conventional techniques for datatransmission, signaling, data processing, network control, and the like.For a basic introduction on cryptography, review a text written by BruceSchneier entitled “Applied Cryptography: Protocols, Algorithms, andSource Code in C,” published by John Wiley & Sons (second edition,1996), herein incorporated by reference.

In addition, many applications of the present invention could beformulated. The exemplary network disclosed herein may include anysystem for exchanging data or transacting business, such as theInternet, an intranet, an extranet, WAN, LAN, satellite communications,telephone communication networks, VOIP, NFC and/or the like.

The messages transmitted, such as the appended transaction requestmessages, as disclosed herein, may be transmitted via NFC protocols,such as through an RFID tag, a transponder and/or an RFID read/writedevice.

In accordance with another aspect of the present disclosure, an RFtransaction using transponder, RFID read/write device, and/or tag(collectively “transaction devices”) are secured by limiting the numberof transactions which are performed with a particular transactiondevice. Once the maximum transactions value is reached, the transactiondevice may automatically disable itself against further usage.

In another exemplary embodiment, the transaction devices in accordancewith the present disclosure may further include a transaction counterfor recording and reporting the number of transactions performed withthe particular transaction device. For a detailed explanation of asuitable counter for use with the disclosure, please refer tocommonly-owned U.S. patent application Ser. No. 10/708,545, entitled“SYSTEM AND METHOD FOR SECURING RF TRANSACTIONS USING A RADIO FREQUENCYIDENTIFICATION DEVICE INCLUDING A TRANSACTIONS COUNTER,” filed Mar. 10,2004, incorporated by reference in its entirety.

The detailed description of exemplary embodiments herein makes referenceto the accompanying drawings and pictures, which show variousembodiments by way of illustration. While these various embodiments aredescribed in sufficient detail to enable those skilled in the art topractice the disclosure, it should be understood that other embodimentsmay be realized and that logical and mechanical changes may be madewithout departing from the spirit and scope of the disclosure. Thus, thedetailed description herein is presented for purposes of illustrationonly and not of limitation. For example, the steps recited in any of themethod or process descriptions may be executed in any order and are notlimited to the order presented. Moreover, any of the functions or stepsmay be outsourced to or performed by one or more third parties.Furthermore, any reference to singular includes plural embodiments, andany reference to more than one component may include a singularembodiment.

Systems, methods and computer program products are provided. In thedetailed description herein, references to “various embodiments,” “oneembodiment,” “an embodiment,” “an example embodiment,” etc., indicatethat the embodiment described may include a particular feature,structure, or characteristic, but every embodiment may not necessarilyinclude the particular feature, structure, or characteristic. Moreover,such phrases are not necessarily referring to the same embodiment.Further, when a particular feature, structure, or characteristic isdescribed in connection with an embodiment, it is submitted that it iswithin the knowledge of one skilled in the art to affect such feature,structure, or characteristic in connection with other embodimentswhether or not explicitly described. After reading the description, itwill be apparent to one skilled in the relevant art(s) how to implementthe disclosure in alternative embodiments.

References to a SIM card may be referring to a subscriber identitymodule or subscriber identification module (SIM). A SIM card is anintegrated circuit that securely stores the international mobilesubscriber identity (IMSI) and the related keys used to identify andauthenticate subscribers on mobile telephony devices (such as mobilephones and computers). These keys are for use of the phone on thenetwork and are distinct from Keys described herein for verification ofidentification transferred and/or associated with a transaction request.

A SIM circuit is embedded into a removable plastic card. This plasticcard is called “SIM card” and can be transferred between differentmobile devices. SIM cards were first made the same size as a credit card(85.60 mm×53.98 mm×0.76 mm). The development of physically smallermobile devices prompted the development of a smaller SIM card, themini-SIM card, micro-SIM card and/or Nano-SIM card. Mini-SIM cards havethe same thickness as full-size cards, but their length and width arereduced to 25 mm×15 mm. Micro-SIM cards have the same thickness andcontact arrangements as the min-SIM card, but the length and width arefurther reduced. The Nano-SIM card, which measures 12.3×8.8×0.67 mm andmaintains the existing contact arrangements of prior form factors.

A SIM card may contains its unique serial number (ICCID), internationalmobile subscriber identity (IMSI), security authentication and cipheringinformation, temporary information related to the local network, a listof the services the user has access to and two passwords: a personalidentification number (PIN) for ordinary use and a personal unblockingcode (PUK) for PIN unlocking. SIM cards are not traditionally used infinancial transfers.

The phrases consumer, mobile device user, customer, user, accountholder, account affiliate, card member or the like shall include anyperson, entity, business, government organization, business, software,hardware, machine associated with a transaction account, buys merchantofferings offered by one or more merchants using the account and/or whois legally designated for performing transactions on the account,regardless of whether a physical card is associated with the account.For example, the card member may include a transaction account owner, atransaction account user, an account affiliate, a child account user, asubsidiary account user, a beneficiary of an account, a custodian of anaccount, and/or any other person or entity affiliated or associated witha transaction account.

As used herein, “match” or “associated with” or similar phrases mayinclude an identical match, a partial match, matching a subset of data,a correlation, satisfying certain criteria, a correspondence, anassociation, an algorithmic relationship and/or the like. Similarly, asused herein, “authenticate” or similar terms may include an exactauthentication, a partial authentication, authenticating a subset ofdata, a correspondence, satisfying certain criteria, an association, analgorithmic relationship and/or the like.

Any communication, transmission and/or channel discussed herein mayinclude any system or method for delivering content (e.g. data,information, metadata, etc.), and/or the content itself. The content maybe presented in any form or medium, and in various embodiments, thecontent may be delivered electronically and/or capable of beingpresented electronically. For example, a channel may comprise a websiteor device (e.g., Facebook, YouTube, AppleTV, Pandora, Xbox, SonyPlayStation), a uniform resource locator (“URL”), a document (e.g., aMicrosoft Word document, a Microsoft Excel document, an Adobe .pdfdocument, etc.), an “ebook,” an “emagazine,” an application ormicroapplication (as described herein), an SMS or other type of textmessage, an email, Facebook, twitter, MMS and/or other type ofcommunication technology. In various embodiments, a channel may behosted or provided by a data partner. In various embodiments, thedistribution channel may comprise at least one of a merchant website, asocial media website, affiliate or partner websites, an external vendor,a mobile device communication, social media network and/or locationbased service. Distribution channels may include at least one of amerchant website, a social media site, affiliate or partner websites, anexternal vendor, and a mobile device communication. Examples of socialmedia sites include Facebook®, Foursquare®, Twitter®, MySpace®,LinkedIn®, and the like. Examples of affiliate or partner websitesinclude American Express®, Group On®, Living Social®, and the like.Moreover, examples of mobile device communications include texting,email, and mobile applications for smartphones.

As used herein, “appended” or similar terms may include sent in concertwith, added to, joined and/or the like.

In various embodiments, the methods described herein are implementedusing the various particular machines described herein. The methodsdescribed herein may be implemented using the below particular machines,and those hereinafter developed, in any suitable combination, as wouldbe appreciated immediately by one skilled in the art. Further, as isunambiguous from this disclosure, the methods described herein mayresult in various transformations of certain articles.

For the sake of brevity, conventional data networking, applicationdevelopment and other functional aspects of the systems (and componentsof the individual operating components of the systems) may not bedescribed in detail herein. Furthermore, the connecting lines shown inthe various figures contained herein are intended to represent exemplaryfunctional relationships and/or physical couplings between the variouselements. It should be noted that many alternative or additionalfunctional relationships or physical connections may be present in apractical system.

The various system components discussed herein may include one or moreof the following: a host server or other computing systems including aprocessor for processing digital data; a memory coupled to the processorfor storing digital data; an input digitizer coupled to the processorfor inputting digital data; an application program stored in the memoryand accessible by the processor for directing processing of digital databy the processor; a display device coupled to the processor and memoryfor displaying information derived from digital data processed by theprocessor; and a plurality of databases. Various databases used hereinmay include: client data; merchant data; financial institution data;and/or like data useful in the operation of the system. As those skilledin the art will appreciate, user computer may include an operatingsystem (e.g., Windows NT, Windows 95/98/2000, Windows XP, Windows Vista,Windows 7, OS2, UNIX, Linux, Solaris, MacOS, etc.) as well as variousconventional support software and drivers typically associated withcomputers.

The present system or any part(s) or function(s) thereof may beimplemented using hardware, software or a combination thereof and may beimplemented in one or more computer systems or other processing systems.However, the manipulations performed by embodiments were often referredto in terms, such as matching or selecting, which are commonlyassociated with mental operations performed by a human operator. No suchcapability of a human operator is necessary, or desirable in most cases,in any of the operations described herein. Rather, the operations may bemachine operations. Useful machines for performing the variousembodiments include general purpose digital computers or similardevices.

In fact, in various embodiments, the embodiments are directed toward oneor more computer systems capable of carrying out the functionalitydescribed herein. The computer system includes one or more processors,such as processor. The processor is connected to a communicationinfrastructure (e.g., a communications bus, cross-over bar, or network).Various software embodiments are described in terms of this exemplarycomputer system. After reading this description, it will become apparentto a person skilled in the relevant art(s) how to implement variousembodiments using other computer systems and/or architectures. Computersystem can include a display interface that forwards graphics, text, andother data from the communication infrastructure (or from a frame buffernot shown) for display on a display unit.

Computer systems described herein also include a main memory, such asfor example random access memory (RAM), and may also include a secondarymemory which may be a removable storage drive. The removable storagedrive reads from and/or writes to a removable storage unit in awell-known manner. As will be appreciated, the removable storage unitincludes a computer usable storage medium having stored therein computersoftware and/or data.

In various embodiments, secondary memory may include other similardevices for allowing computer programs or other instructions to beloaded into computer system. Such devices may include, for example, aremovable storage unit and an interface. Examples of such may include aprogram cartridge and cartridge interface (such as that found in videogame devices), a removable memory chip (such as an erasable programmableread only memory (EPROM), or programmable read only memory (PROM)) andassociated socket, and other removable storage units and interfaces,which allow software and data to be transferred from the removablestorage unit to computer system.

Computer system may also include a communications interface.Communications interface allows software and data to be transferredbetween computer system and external devices. Examples of communicationsinterface may include a modem, a network interface (such as an Ethernetcard), a communications port, a Personal Computer Memory CardInternational Association (PCMCIA) slot and card, etc. Software and datatransferred via communications interface are in the form of signalswhich may be electronic, electromagnetic, and optical or other signalscapable of being received by communications interface. These signals areprovided to communications interface via a communications path (e.g.,channel). This channel carries signals and may be implemented usingwire, cable, fiber optics, a telephone line, a cellular link, a radiofrequency (RF) link, wireless and other communications channels.

The terms “computer program medium” and “computer usable medium” and“computer readable medium” are used to generally refer to media such asremovable storage drive and a hard disk installed in hard disk drive.These computer program products provide software to computer system.

Computer programs (also referred to as computer control logic) arestored in main memory and/or secondary memory. Computer programs mayalso be received via communications interface. Such computer programs,when executed, enable the computer system to perform the features asdiscussed herein. In particular, the computer programs, when executed,enable the processor to perform the features of various embodiments.Accordingly, such computer programs represent controllers of thecomputer system.

In various embodiments, software may be stored in a computer programproduct and loaded into computer system using removable storage drive,hard disk drive or communications interface. The control logic(software), when executed by the processor, causes the processor toperform the functions of various embodiments as described herein. Invarious embodiments, hardware components such as application specificintegrated circuits (ASICs). Implementation of the hardware statemachine so as to perform the functions described herein will be apparentto persons skilled in the relevant art(s).

In various embodiments, the server may include application servers (e.g.WEB SPHERE, WEB LOGIC, JBOSS). In various embodiments, the server mayinclude web servers (e.g. APACHE, IIS, GWS, SUN JAVA SYSTEM WEB SERVER).

A web client includes any device (e.g., personal computer) whichcommunicates via any network, for example such as those discussedherein. Such browser applications comprise Internet browsing softwareinstalled within a computing unit or a system to conduct onlinetransactions and/or communications. These computing units or systems maytake the form of a computer or set of computers, although other types ofcomputing units or systems may be used, including laptops, notebooks,tablets, hand held computers, personal digital assistants, set-topboxes, workstations, computer-servers, main frame computers,mini-computers, PC servers, pervasive computers, network sets ofcomputers, personal computers, such as iPads, iMACs, and MacBooks,kiosks, terminals, point of sale (POS) devices and/or terminals,televisions, or any other device capable of receiving data over anetwork. A web-client may run Microsoft Internet Explorer, MozillaFirefox, Google Chrome, Apple Safari, or any other of the myriadsoftware packages available for browsing the internet.

Practitioners will appreciate that a web client may or may not be indirect contact with an application server. For example, a web client mayaccess the services of an application server through another serverand/or hardware component, which may have a direct or indirectconnection to an Internet server. For example, a web client maycommunicate with an application server via a load balancer. In anexemplary embodiment, access is through a network or the Internetthrough a commercially-available web-browser software package.

As those skilled in the art will appreciate, a web client includes anoperating system (e.g., Windows NT, 95/98/2000/CE/Mobile, OS2, UNIX,Linux, Solaris, MacOS, PalmOS, etc.) as well as various conventionalsupport software and drivers typically associated with computers. A webclient may include any suitable personal computer, network computer,workstation, personal digital assistant, cellular phone, smart phone,minicomputer, mainframe or the like. A web client can be in a home orbusiness environment with access to a network. In an exemplaryembodiment, access is through a network or the Internet through acommercially available web-browser software package. A web client mayimplement security protocols such as Secure Sockets Layer (SSL) andTransport Layer Security (TLS). A web client may implement severalapplication layer protocols including http, https, ftp, and sftp.

In various embodiments, components, modules, and/or engines of system100 may be implemented as micro-applications or micro-apps. Micro-appsare typically deployed in the context of a mobile operating system,including for example, a Palm mobile operating system, a Windows mobileoperating system, an Android Operating System, Apple iOS, a Blackberryoperating system and the like. The micro-app may be configured toleverage the resources of the larger operating system and associatedhardware via a set of predetermined rules which govern the operations ofvarious operating systems and hardware resources. For example, where amicro-app desires to communicate with a device or network other than themobile device or mobile operating system, the micro-app may leverage thecommunication protocol of the operating system and associated devicehardware under the predetermined rules of the mobile operating system.Moreover, where the micro-app desires an input from a user, themicro-app may be configured to request a response from the operatingsystem which monitors various hardware components and then communicatesa detected input from the hardware to the micro-app

In various embodiments, with reference to the references to a mobiledevice application herein may take the form of application software.Application software, also known as an application or an “app,” iscomputer software designed to help the user to perform specific tasks.This application software may be a mobile application, also calledmobile app, usually designed to run on smart phones and tabletcomputers; however, according to various embodiments, this mobile appmay be run on any computer based system. In various embodiments a mobiledevice user may download and install the app for via and/or on a mobiledevice, such as a smart phone or tablet. This app may be part of alarger application suite providing additional services or may be astand-alone module/app.

As used herein, the term “network” includes any cloud, cloud computingsystem or electronic communications system or method which incorporateshardware and/or software components. Communication among the parties maybe accomplished through any suitable communication channels, such as,for example, a telephone network, an extranet, an intranet, Internet,point of interaction device (point of sale device, personal digitalassistant (e.g., iPhone®, Palm Pilot®, Blackberry®), cellular phone,kiosk, etc.), online communications, satellite communications, off-linecommunications, wireless communications, transponder communications,local area network (LAN), wide area network (WAN), virtual privatenetwork (VPN), networked or linked devices, keyboard, mouse and/or anysuitable communication or data input modality. Moreover, although thesystem is frequently described herein as being implemented with TCP/IPcommunications protocols, the system may also be implemented using IPX,Appletalk, IP-6, NetBIOS, OSI, any tunneling protocol (e.g. IPsec, SSH),or any number of existing or future protocols. If the network is in thenature of a public network, such as the Internet, it may be advantageousto presume the network to be insecure and open to eavesdroppers.Specific information related to the protocols, standards, andapplication software utilized in connection with the Internet isgenerally known to those skilled in the art and, as such, need not bedetailed herein. See, for example, DILIP NAIK, INTERNET STANDARDS ANDPROTOCOLS (1998); JAVA 2 COMPLETE, various authors, (Sybex 1999);DEBORAH RAY AND ERIC RAY, MASTERING HTML 4.0 (1997); and LOSHIN, TCP/IPCLEARLY EXPLAINED (1997) and DAVID GOURLEY AND BRIAN TOTTY, HTTP, THEDEFINITIVE GUIDE (2002), the contents of which are hereby incorporatedby reference.

The various system components may be independently, separately orcollectively suitably coupled to the network via data links whichincludes, for example, a connection to an Internet Service Provider(ISP) over the local loop as is typically used in connection withstandard modem communication, cable modem, Dish networks, ISDN, DigitalSubscriber Line (DSL), or various wireless communication methods, see,e.g., GILBERT HELD, UNDERSTANDING DATA COMMUNICATIONS (1996), which ishereby incorporated by reference. It is noted that the network may beimplemented as other types of networks, such as an interactivetelevision (ITV) network. Moreover, the system contemplates the use,sale or distribution of any goods, services or information over anynetwork having similar functionality described herein.

“Cloud” or “Cloud computing” includes a model for enabling convenient,on-demand network access to a shared pool of configurable computingresources (e.g., networks, servers, storage, applications, and services)that can be rapidly provisioned and released with minimal managementeffort or service provider interaction. Cloud computing may includelocation-independent computing, whereby shared servers provideresources, software, and data to computers and other devices on demand.For more information regarding cloud computing, see the NIST's (NationalInstitute of Standards and Technology) definition of cloud computing athttp://csrc.nist.gov/publications/nistpubs/800-145/SP800-145.pdf (lastvisited June 2012), which is hereby incorporated by reference in itsentirety.

As used herein, “transmit” may include sending electronic data from onesystem component to another over a network connection. Additionally, asused herein, “data” may include encompassing information such ascommands, queries, files, data for storage, and the like in digital orany other form.

Systems and methods described herein may be useful on the Africancontinent where payment via mobile devices is expanding.

Phrases and terms similar to an “item” may include any good, service,information, experience, data, discount, rebate, points, virtualcurrency, content, access, rental, lease, contribution, account, credit,debit, benefit, right, reward, points, coupons, credits, monetaryequivalent, anything of value, something of minimal or no value,monetary value, non-monetary value and/or the like. Moreover, the“transactions” or “purchases” discussed herein may be associated with anitem. Furthermore, a “reward” may be an item.

The system contemplates uses in association with web services, utilitycomputing, pervasive and individualized computing, security and identitysolutions, autonomic computing, cloud computing, commodity computing,mobility and wireless solutions, open source, biometrics, grid computingand/or mesh computing.

Any databases discussed herein may include relational, hierarchical,graphical, or object-oriented structure and/or any other databaseconfigurations. Common database products that may be used to implementthe databases include DB2 by IBM (Armonk, N.Y.), various databaseproducts available from Oracle Corporation (Redwood Shores, Calif.),Microsoft Access or Microsoft SQL Server by Microsoft Corporation(Redmond, Wash.), MySQL by MySQL AB (Uppsala, Sweden), or any othersuitable database product. Moreover, the databases may be organized inany suitable manner, for example, as data tables or lookup tables. Eachrecord may be a single file, a series of files, a linked series of datafields or any other data structure. Association of certain data may beaccomplished through any desired data association technique such asthose known or practiced in the art. For example, the association may beaccomplished either manually or automatically. Automatic associationtechniques may include, for example, a database search, a databasemerge, GREP, AGREP, SQL, using a key field in the tables to speedsearches, sequential searches through all the tables and files, sortingrecords in the file according to a known order to simplify lookup,and/or the like. The association step may be accomplished by a databasemerge function, for example, using a “key field” in pre-selecteddatabases or data sectors. Various database tuning steps arecontemplated to optimize database performance. For example, frequentlyused files such as indexes may be placed on separate file systems toreduce In/Out (“I/O”) bottlenecks.

The data set annotation may also be used for other types of statusinformation as well as various other purposes. For example, the data setannotation may include security information establishing access levels.The access levels may, for example, be configured to permit only certainindividuals, levels of employees, companies, or other entities to accessdata sets, or to permit access to specific data sets based on thetransaction, merchant, issuer, user or the like. Furthermore, thesecurity information may restrict/permit only certain actions such asaccessing, modifying, and/or deleting data sets. In one example, thedata set annotation indicates that only the data set owner or the userare permitted to delete a data set, various identified users may bepermitted to access the data set for reading, and others are altogetherexcluded from accessing the data set. However, other access restrictionparameters may also be used allowing various entities to access a dataset with various permission levels as appropriate.

The data, including the header or trailer may be received by astand-alone interaction device configured to add, delete, modify, oraugment the data in accordance with the header or trailer. As such, inone embodiment, the header or trailer is not stored on the transactiondevice along with the associated issuer-owned data but instead theappropriate action may be taken by providing to the transactioninstrument user at the stand alone device, the appropriate option forthe action to be taken. The system may contemplate a data storagearrangement wherein the header or trailer, or header or trailer history,of the data is stored on the transaction instrument in relation to theappropriate data.

One skilled in the art will also appreciate that, for security reasons,any databases, systems, devices, servers or other components of thesystem may consist of any combination thereof at a single location or atmultiple locations, wherein each database or system includes any ofvarious suitable security features, such as firewalls, access codes,encryption, decryption, compression, decompression, and/or the like.

Encryption may be performed by way of any of the techniques nowavailable in the art or which may become available—e.g., Twofish, RSA,El Gamal, Schorr signature, DSA, PGP, PKI, GPG (GnuPG), and symmetricand asymmetric cryptosystems.

The computing unit of the web client may be further equipped with anInternet browser connected to the Internet or an intranet using standarddial-up, cable, DSL or any other Internet protocol known in the art.Transactions originating at a web client may pass through a firewall inorder to prevent unauthorized access from users of other networks.Further, additional firewalls may be deployed between the varyingcomponents of CMS to further enhance security.

The computer systems discussed herein may provide a suitable website orother Internet-based graphical user interface which is accessible byusers. In one embodiment, the Microsoft Internet Information Server(IIS), Microsoft Transaction Server (MTS), and Microsoft SQL Server, areused in conjunction with the Microsoft operating system, Microsoft NTweb server software, a Microsoft SQL Server database system, and aMicrosoft Commerce Server. Additionally, components such as Access orMicrosoft SQL Server, Oracle, Sybase, Informix MySQL, Interbase, etc.,may be used to provide an Active Data Object (ADO) compliant databasemanagement system. In one embodiment, the Apache web server is used inconjunction with a Linux operating system, a MySQL database, and thePerl, PHP, and/or Python programming languages.

Any of the communications, inputs, storage, databases or displaysdiscussed herein may be facilitated through a website having web pages.The term “web page” as it is used herein is not meant to limit the typeof documents and applications that might be used to interact with theuser. For example, a typical website might include, in addition tostandard HTML documents, various forms, Java applets, JavaScript, activeserver pages (ASP), common gateway interface scripts (CGI), extensiblemarkup language (XML), dynamic HTML, cascading style sheets (CSS), AJAX(Asynchronous Javascript And XML), helper applications, plug-ins, andthe like. A server may include a web service that receives a requestfrom a web server, the request including a URL(http://yahoo.com/stockquotes/ge) and an IP address (123.56.789.234).The web server retrieves the appropriate web pages and sends the data orapplications for the web pages to the IP address. Web services areapplications that are capable of interacting with other applicationsover a communications means, such as the internet. Web services aretypically based on standards or protocols such as XML, SOAP, AJAX, WSDLand UDDI. Web services methods are well known in the art, and arecovered in many standard texts. See, e.g., ALEX NGHIEM, IT WEB SERVICES:A ROADMAP FOR THE ENTERPRISE (2003), hereby incorporated by reference.

Middleware may include any hardware and/or software suitably configuredto facilitate communications and/or process transactions betweendisparate computing systems. Middleware components are commerciallyavailable and known in the art. Middleware may be implemented throughcommercially available hardware and/or software, through custom hardwareand/or software components, or through a combination thereof. Middlewaremay reside in a variety of configurations and may exist as a standalonesystem or may be a software component residing on the Internet server.Middleware may be configured to process transactions between the variouscomponents of an application server and any number of internal orexternal systems for any of the purposes disclosed herein. WebSphere MQ™(formerly MQSeries) by IBM, Inc. (Armonk, N.Y.) is an example of acommercially available middleware product. An Enterprise Service Bus(“ESB”) application is another example of middleware.

Practitioners will also appreciate that there are a number of methodsfor displaying data within a browser-based document. Data may berepresented as standard text or within a fixed list, scrollable list,drop-down list, editable text field, fixed text field, pop-up window,and the like. Likewise, there are a number of methods available formodifying data in a web page such as, for example, free text entry usinga keyboard, selection of menu items, check boxes, option boxes, and thelike.

The system and method may be described herein in terms of functionalblock components, screen shots, optional selections and variousprocessing steps. It should be appreciated that such functional blocksmay be realized by any number of hardware and/or software componentsconfigured to perform the specified functions. For example, the systemmay employ various integrated circuit components, e.g., memory elements,processing elements, logic elements, look-up tables, and the like, whichmay carry out a variety of functions under the control of one or moremicroprocessors or other control devices. Similarly, the softwareelements of the system may be implemented with any programming orscripting language such as C, C++, C#, Java, JavaScript, VBScript,Macromedia Cold Fusion, COBOL, Microsoft Active Server Pages, assembly,PERL, PHP, awk, Python, Visual Basic, SQL Stored Procedures, PL/SQL, anyUNIX shell script, and extensible markup language (XML) with the variousalgorithms being implemented with any combination of data structures,objects, processes, routines or other programming elements. Further, itshould be noted that the system may employ any number of conventionaltechniques for data transmission, signaling, data processing, networkcontrol, and the like. Still further, the system could be used to detector prevent security issues with a client-side scripting language, suchas JavaScript, VBScript or the like. For a basic introduction ofcryptography and network security, see any of the following references:(1) “Applied Cryptography: Protocols, Algorithms, And Source Code In C,”by Bruce Schneier, published by John Wiley & Sons (second edition,1995); (2) “Java Cryptography” by Jonathan Knudson, published byO'Reilly & Associates (1998); (3) “Cryptography & Network Security:Principles & Practice” by William Stallings, published by Prentice Hall;all of which are hereby incorporated by reference.

As used herein, the term “end user,” “mobile device user,” “consumer,”“customer,” “card member,” “business” or “merchant” may be usedinterchangeably with each other, and each shall mean any person, entity,government organization, business, machine, hardware, and/or software. Abank may be part of the system, but the bank may represent other typesof card issuing institutions, such as credit card companies, cardsponsoring companies, or third party issuers under contract withfinancial institutions. It is further noted that other participants maybe involved in some phases of the transaction, such as an intermediarysettlement institution, but these participants are not shown.

Each participant is equipped with a computing device, such as a computerand/or mobile device in order to interact with the system and facilitateonline commerce transactions. The customer has a computing unit in theform of a personal computer, although other types of computing units maybe used including laptops, notebooks, hand held computers, set-topboxes, cellular telephones, touch-tone telephones and the like. Themerchant has a computing unit implemented in the form of acomputer-server, although other implementations are contemplated by thesystem. The bank has a computing center shown as a main frame computer.However, the bank computing center may be implemented in other forms,such as a mini-computer, a PC server, a network of computers located inthe same of different geographic locations, or the like. Moreover, thesystem contemplates the use, sale or distribution of any goods, servicesor information over any network having similar functionality describedherein.

The merchant computer and the bank/financial institution computer may beinterconnected via a second network, referred to as a payment network.The payment network which may be part of certain transactions representsexisting proprietary networks that presently accommodate transactionsfor credit cards, debit cards, and other types of financial/bankingcards. The payment network is a closed network that is assumed to besecure from eavesdroppers. Exemplary transaction networks may includethe American Express®, VisaNet® and the Veriphone® networks.

The electronic commerce system may be implemented at the customer andissuing bank. In an exemplary implementation, the electronic commercesystem is implemented as computer software modules loaded onto thecustomer computer and the banking computing center. The merchantcomputer does not require any additional software to participate in theonline commerce transactions supported by the online commerce system.

As will be appreciated by one of ordinary skill in the art, the systemmay be embodied as a customization of an existing system, an add-onproduct, a processing apparatus executing upgraded software, astand-alone system, a distributed system, a method, a data processingsystem, a device for data processing, and/or a computer program product.Accordingly, any portion of the system or a module may take the form ofa processing apparatus executing code, an internet based embodiment, anentirely hardware embodiment, or an embodiment combining aspects of theinternet, software and hardware. Furthermore, the system may take theform of a computer program product on a computer-readable storage mediumhaving computer-readable program code means embodied in the storagemedium. Any suitable computer-readable storage medium may be utilized,including hard disks, CD-ROM, optical storage devices, magnetic storagedevices, and/or the like.

The system and method is described herein with reference to screenshots, block diagrams and flowchart illustrations of methods, apparatus(e.g., systems), and computer program products according to variousembodiments. It will be understood that each functional block of theblock diagrams and the flowchart illustrations, and combinations offunctional blocks in the block diagrams and flowchart illustrations,respectively, can be implemented by computer program instructions.

Referring now to FIGS. 1-2 the process flows depicted are merelyembodiments and are not intended to limit the scope of the disclosure.For example, the steps recited in any of the method or processdescriptions may be executed in any order and are not limited to theorder presented.

Computer program instructions described herein may be loaded onto ageneral purpose computer, special purpose computer, or otherprogrammable data processing apparatus to produce a machine, such thatthe instructions that execute on the computer or other programmable dataprocessing apparatus create means for implementing the functionsspecified in the flowchart block or blocks. These computer programinstructions may also be stored in a non-transitory computer-readablememory that can direct a computer or other programmable data processingapparatus to function in a particular manner, such that the instructionsstored in the computer-readable memory produce an article of manufactureincluding instruction means which implement the function specified inthe flowchart block or blocks. The computer program instructions mayalso be loaded onto a computer or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer or other programmable apparatus to produce acomputer-implemented process such that the instructions which execute onthe computer or other programmable apparatus provide steps forimplementing the functions specified in the flowchart block or blocks.

Accordingly, functional blocks of the block diagrams and flowchartillustrations support combinations of means for performing the specifiedfunctions, combinations of steps for performing the specified functions,and program instruction means for performing the specified functions. Itwill also be understood that each functional block of the block diagramsand flowchart illustrations, and combinations of functional blocks inthe block diagrams and flowchart illustrations, can be implemented byeither special purpose hardware-based computer systems which perform thespecified functions or steps, or suitable combinations of specialpurpose hardware and computer instructions. Further, illustrations ofthe process flows and the descriptions thereof may make reference touser windows, webpages, websites, web forms, prompts, etc. Practitionerswill appreciate that the illustrated steps described herein may comprisein any number of configurations including the use of windows, webpages,web forms, popup windows, prompts and the like. It should be furtherappreciated that the multiple steps as illustrated and described may becombined into single webpages and/or windows but have been expanded forthe sake of simplicity. In other cases, steps illustrated and describedas single process steps may be separated into multiple webpages and/orwindows but have been combined for simplicity.

The term “non-transitory” is to be understood to remove only propagatingtransitory signals per se from the claim scope and does not relinquishrights to all standard computer-readable media that are not onlypropagating transitory signals per se. Stated another way, the meaningof the term “non-transitory computer-readable medium” and“non-transitory computer-readable storage medium” should be construed toexclude only those types of transitory computer-readable media whichwere found in In Re Nuijten to fall outside the scope of patentablesubject matter under 35 U.S.C. §101.

Benefits, other advantages, and solutions to problems have beendescribed herein with regard to specific embodiments. However, thebenefits, advantages, solutions to problems, and any elements that maycause any benefit, advantage, or solution to occur or become morepronounced are not to be construed as critical, required, or essentialfeatures or elements of the disclosure. The scope of the disclosure isaccordingly to be limited by nothing other than the appended claims, inwhich reference to an element in the singular is not intended to mean“one and only one” unless explicitly so stated, but rather “one ormore.” Moreover, where a phrase similar to ‘at least one of A, B, and C’or ‘at least one of A, B, or C’ is used in the claims or specification,it is intended that the phrase be interpreted to mean that A alone maybe present in an embodiment, B alone may be present in an embodiment, Calone may be present in an embodiment, or that any combination of theelements A, B and C may be present in a single embodiment; for example,A and B, A and C, B and C, or A and B and C. Although the disclosureincludes a method, it is contemplated that it may be embodied ascomputer program instructions on a tangible computer-readable carrier,such as a magnetic or optical memory or a magnetic or optical disk. Allstructural, chemical, and functional equivalents to the elements of theabove-described exemplary embodiments that are known to those ofordinary skill in the art are expressly incorporated herein by referenceand are intended to be encompassed by the present claims. Moreover, itis not necessary for a device or method to address each and everyproblem sought to be solved by the present disclosure, for it to beencompassed by the present claims. Furthermore, no element, component,or method step in the present disclosure is intended to be dedicated tothe public regardless of whether the element, component, or method stepis explicitly recited in the claims. No claim element herein is to beconstrued under the provisions of 35 U.S.C. 112, sixth paragraph, unlessthe element is expressly recited using the phrase “means for.” As usedherein, the terms “comprises,” “comprising,” or any other variationthereof, are intended to cover a non-exclusive inclusion, such that aprocess, method, article, or apparatus that comprises a list of elementsdoes not include only those elements but may include other elements notexpressly listed or inherent to such process, method, article, orapparatus.

Phrases and terms similar to an “entity” may include any individual,consumer, customer, group, business, organization, government entity,transaction account issuer or processor (e.g., credit, charge, etc.),merchant, consortium of merchants, account holder, charitableorganization, software, hardware, and/or any other type of entity. Theterms “user,” “consumer,” “purchaser,” and/or the plural form of theseterms are used interchangeably throughout herein to refer to thosepersons or entities that are alleged to be authorized to use atransaction account.

Phrases and terms similar to “account,” “account number,” “account code”or “consumer account” as used herein, may include any device, code(e.g., one or more of an authorization/access code, personalidentification number (“PIN”), Internet code, other identification code,and/or the like), number, letter, symbol, digital certificate, smartchip, digital signal, analog signal, biometric or otheridentifier/indicia suitably configured to allow the consumer to access,interact with or communicate with the system. The account number mayoptionally be located on or associated with a rewards account, chargeaccount, credit account, debit account, prepaid account, telephone card,embossed card, smart card, magnetic stripe card, bar code card,transponder, radio frequency card or an associated account.

The system may include or interface with any of the foregoing accounts,devices, and/or a transponder and reader (e.g. RFID reader) in RFcommunication with the transponder (which may include a fob), orcommunications between an initiator and a target enabled by near fieldcommunications (NFC). Typical devices may include, for example, a keyring, tag, card, cell phone, wristwatch or any such form capable ofbeing presented for interrogation. Moreover, the system, computing unitor device discussed herein may include a “pervasive computing device,”which may include a traditionally non-computerized device that isembedded with a computing unit. Examples may include watches, Internetenabled kitchen appliances, restaurant tables embedded with RF readers,wallets or purses with imbedded transponders, etc. Furthermore, a deviceor financial transaction instrument may have electronic andcommunications functionality enabled, for example, by: a network ofelectronic circuitry that is printed or otherwise incorporated onto orwithin the transaction instrument (and typically referred to as a “smartcard”); a fob having a transponder and an RFID reader; and/or near fieldcommunication (NFC) technologies. For more information regarding NFC,refer to the following specifications all of which are incorporated byreference herein: ISO/IEC 18092/ECMA-340, Near Field CommunicationInterface and Protocol-1 (NFCIP-1); ISO/IEC 21481/ECMA-352, Near FieldCommunication Interface and Protocol-2 (NFCIP-2); and EMV 4.2 availableat http://www.emvco.com/default.aspx.

The account number may be distributed and stored in any form of plastic,electronic, magnetic, radio frequency, wireless, audio and/or opticaldevice capable of transmitting or downloading data from itself to asecond device. A consumer account number may be, for example, asixteen-digit account number, although each credit provider has its ownnumbering system, such as the fifteen-digit numbering system used byAmerican Express. Each company's account numbers comply with thatcompany's standardized format such that the company using afifteen-digit format will generally use three-spaced sets of numbers, asrepresented by the number “0000 000000 00000”. The first five to sevendigits are reserved for processing purposes and identify the issuingbank, account type, etc. In this example, the last (fifteenth) digit isused as a sum check for the fifteen digit number. The intermediaryeight-to-eleven digits are used to uniquely identify the consumer. Amerchant account number may be, for example, any number or alpha-numericcharacters that identify a particular merchant for purposes of accountacceptance, account reconciliation, reporting, or the like.

In various embodiments, an account number may identify a consumer. Inaddition, in various embodiments, a consumer may be identified by avariety of identifiers, including, for example, an email address, atelephone number, a cookie id, a radio frequency identifier (RFID), abiometric, and the like.

Phrases and terms similar to “transaction account” may include anyaccount that may be used to facilitate a financial transaction.

Phrases and terms similar to “financial institution” or “transactionaccount issuer” may include any entity that offers transaction accountservices. Although often referred to as a “financial institution,” thefinancial institution may represent any type of bank, lender or othertype of account issuing institution, such as credit card companies, cardsponsoring companies, or third party issuers under contract withfinancial institutions. It is further noted that other participants maybe involved in some phases of the transaction, such as an intermediarysettlement institution.

Phrases and terms similar to “business” or “merchant” may be usedinterchangeably with each other and shall mean any person, entity,distributor system, software and/or hardware that are a provider, brokerand/or any other entity in the distribution chain of goods or services.For example, a merchant may be a grocery store, a retail store, a travelagency, a service provider, an on-line merchant or the like.

The terms “payment vehicle,” “financial transaction instrument,”“transaction instrument” and/or the plural form of these terms may beused interchangeably throughout to refer to a financial instrument.

Phrases and terms similar to “merchant,” “supplier” or “seller” mayinclude any entity that receives payment or other consideration. Forexample, a supplier may request payment for goods sold to a buyer whoholds an account with a transaction account issuer.

Phrases similar to a “payment processor” may include a company (e.g., athird party) appointed (e.g., by a merchant) to handle transactions. Apayment processor may include an issuer, acquirer, authorizer and/or anyother system or entity involved in the transaction process. Paymentprocessors may be broken down into two types: front-end and back-end.Front-end payment processors have connections to various transactionaccounts and supply authorization and settlement services to themerchant banks' merchants. Back-end payment processors acceptsettlements from front-end payment processors and, via The FederalReserve Bank, move money from an issuing bank to the merchant bank. Inan operation that will usually take a few seconds, the payment processorwill both check the details received by forwarding the details to therespective account's issuing bank or card association for verification,and may carry out a series of anti-fraud measures against thetransaction. Additional parameters, including the account's country ofissue and its previous payment history, may be used to gauge theprobability of the transaction being approved. In response to thepayment processor receiving confirmation that the transaction accountdetails have been verified, the information may be relayed back to themerchant, who will then complete the payment transaction. In response tothe verification being denied, the payment processor relays theinformation to the merchant, who may then decline the transaction.Phrases similar to a “payment gateway” or “gateway” may include anapplication service provider service that authorizes payments fore-businesses, online retailers, and/or traditional brick and mortarmerchants. The gateway may be the equivalent of a physical point of saleterminal located in most retail outlets. A payment gateway may protecttransaction account details by encrypting sensitive information, such astransaction account numbers, to ensure that information passes securelybetween the customer and the merchant and also between merchant andpayment processor.

Phrases similar to “vendor software” or “vendor” may include software,hardware and/or a solution provided from an external vendor (e.g., notpart of the merchant) to provide value in the payment process (e.g.,risk assessment).

The invention claimed is:
 1. A method comprising: associating, by afraud prevention computer and in an electronic registry, a mobile deviceuser identifier with transaction account information of a mobile deviceuser, a unique identifier for a secure processing and storageenvironment of a mobile device, and a unique mobile device hardwareidentifier; transmitting, by the fraud prevention computer, public keydata to the secure processing and storage environment of the mobiledevice, wherein the public key data is securely stored in the secureprocessing and storage environment; transmitting, by the fraudprevention computer, private key data to the secure processing andstorage environment, wherein the private key data is securely stored tothe secure processing and storage environment; receiving, by the fraudprevention computer, a transaction request message over a mobile networkvia a transaction application stored to a memory associated with themobile device, wherein the private key data is appended to thetransaction request message to create a signed message, and wherein thepublic key data is appended to the signed message by the transactionapplication; verifying, by the fraud prevention computer, that thepublic key is correct; validating, by the fraud prevention computer, bycomparing the mobile device hardware identifier captured with thetransaction request message with expected mobile device hardwareidentifier information stored in the electronic registry and associatedwith the received public key; validating, by the fraud preventioncomputer, by comparing the unique identifier for the secure processingand storage environment information captured with the transactionrequest message with an expected unique identifier for the secureprocessing and storage environment information stored in the electronicregistry and associated with the received public key; verifying, by thefraud prevention computer, that the private key data is correct;appending, by the fraud prevention computer, transaction accountinformation of the mobile device user to the transaction requestmessage; and transmitting, by the fraud prevention computer, theappended transaction request to a processor for authorization.
 2. Themethod of claim 1, wherein the transaction account information is notstored to the memory coupled to the mobile device.
 3. The method ofclaim 1, wherein at least one of the unique identifier for the secureprocessing and storage environment information or the mobile devicehardware identifier captured during transmitting of the transactionrequest message via the mobile device are captured by a mobile networkoperator.
 4. The method of claim 1, wherein the unique identifier forthe secure processing and storage environment information comprises aninternational Mobile subscriber identity (IMSI) code.
 5. The method ofclaim 1, wherein the mobile device hardware identifier comprises aninternational Mobile Equipment Identity (IMEI) code.
 6. The method ofclaim 1, further comprising validating, by the fraud preventioncomputer, by comparing mobile device location information captured withthe transaction request message with expected mobile device locationinformation stored in the electronic registry and associated with thereceived public key.
 7. The method of claim 6, wherein the mobile devicelocation information captured during transmitting of the transactionrequest message via the mobile device are captured by a mobile networkoperator.
 8. The method of claim 6, wherein the mobile device locationinformation comprises a Mobile Subscriber Integrated Services DigitalNetwork Number (MSISDN).
 9. The method of claim 1, further comprisingrequesting the mobile device user enter a user passcode prior toaccessing the transaction application.
 10. The method of claim 1,further comprising storing the transaction application to the memoryassociated with the mobile device.
 11. The method of claim 1, whereinthe transaction processor formats the appended transaction requestmessage into International organization for standardization format. 12.The method of claim 1, wherein an issuer receives the transmittedappended request to a transaction processor for authorizationdecisioning.
 13. The method of claim 1, wherein the transactionapplication locates the mobile device hardware identifier from anoperating system of the mobile device.
 14. The method of claim 1,further comprising pre-provisioning a secure memory location of thesecure processing and storage environment for receiving at least one ofthe public key data and the private key data prior to issuing the secureprocessing and storage environment for use on a mobile network.
 15. Themethod of claim 1, further comprising presenting government issuedidentification in concert with providing at least one of the uniquemobile device hardware identifier to a registry and providing the uniqueidentifier for the secure processing and storage environment to theelectronic registry.
 16. The method of claim 1, further comprising atleast one of providing the unique mobile device hardware identifier tothe electronic registry and providing the unique identifier for thesecure processing and storage environment to the electronic registry.17. The method of claim 1, wherein a trusted certificate authorityworking with the mobile network operator transmits at least one of theprivate key data or the public key data to the secure processing andstorage environment.
 18. The method of claim 1, further comprising:transmitting, by the fraud prevention computer and to the transactionapplication, at least one of: that the public key is incorrect, that themobile device hardware identifier is incorrect, that the uniqueidentifier for the secure processing and storage environment informationis incorrect, or that the private key is incorrect, and displaying, viathe mobile device, a message indicating that the transaction will notproceed.
 19. An article of manufacture including a non-transitory,tangible computer readable storage medium having instructions storedthereon that, in response to execution by a computer-based system, causethe computer-based system to perform operations comprising: associating,by the computer-based system and in an electronic registry, a mobiledevice user identifier with transaction account information of themobile device user, a unique identifier for the secure processing andstorage environment of a mobile device, and a unique mobile devicehardware identifier; transmitting, by the computer-based system, publickey data to a secure processing and storage environment of the mobiledevice, wherein the public key data is securely stored in the secureprocessing and storage environment; transmitting, by the computer-basedsystem, private key data to the secure processing and storageenvironment, wherein the private key data is securely stored to thesecure processing and storage environment; receiving, by thecomputer-based system, a transaction request message over a mobilenetwork via a transaction application stored to a memory associated withthe mobile device, wherein the private key data is appended to thetransaction request message to create a signed message, wherein thepublic key data is appended to the signed message by the transactionapplication; verifying, by the computer-based system, that the publickey is correct; validating, by the computer-based system, by comparingthe mobile device hardware identifier captured with the transactionrequest message with expected mobile device hardware identifierinformation stored in an electronic registry and associated with thereceived public key; validating, by the computer-based system, bycomparing the unique identifier for the secure processing and storageenvironment information captured with the transaction request messagewith an expected unique identifier for the secure processing and storageenvironment information stored in the electronic registry and associatedwith the received public key; verifying, by the computer-based system,that the private key is correct; appending, by the computer-basedsystem, transaction account information of the mobile device user to thetransaction request message; and transmitting, by the computer-basedsystem, the appended transaction request to a processor forauthorization.
 20. A system comprising: a tangible, non-transitorymemory communicating with a processor, the tangible, non-transitorymemory having instructions stored thereon that, in response to executionby the processor, cause a fraud prevention processor to performoperations comprising: associating, by the processor and in anelectronic registry, a mobile device user identifier with transactionaccount information of the mobile device user, a unique identifier forthe secure processing and storage environment of a mobile device, and aunique mobile device hardware identifier; transmitting, by theprocessor, public key data to a secure processing and storageenvironment of the mobile device, wherein the public key data issecurely stored in the secure processing and storage environment;transmitting, by the processor, private key data to the secureprocessing and storage environment, wherein the private key data issecurely stored to the secure processing and storage environment;receiving, by the processor, a transaction request message over a mobilenetwork via a transaction application stored to a memory associated withthe mobile device, wherein a private key is appended to the transactionrequest message to create a signed message, wherein a public key isappended to the signed message by the transaction application;verifying, by the processor, that the public key is correct; validating,by the processor, by comparing the mobile device hardware identifiercaptured with the transaction request message with expected mobiledevice hardware identifier information stored in the electronic registryand associated with the received public key; validating, by theprocessor, by comparing the unique identifier for the secure processingand storage environment information captured with the transactionrequest message with an expected unique identifier for the secureprocessing and storage environment information stored in the electronicregistry and associated with the received public key; verifying, by theprocessor, that the private key is correct; appending, by the processor,transaction account information of the mobile device user to thetransaction request message; and transmitting, by the processor, theappended transaction request to a transaction processor forauthorization.